A credit card is an instrument to help you make instant credit based transactions.

Unlike debit cards which are linked to your bank accounts and debit the corresponding amount for every transaction, credit cards offer you the flexibility to make transactions on credit independent of your account balance. These amounts however are repayable at the end of a pre-specified credit period, and each credit card involves a credit limit beyond which transactions cannot be made.

How to check credit card eligibility?

To be eligible for a credit card:

• You must be over 18 years of age.
• You must be a resident of India.
• In case you are the primary card holder, you must have a regular source of income.

While these are the general conditions to avail of a credit card additional criteria may exist depending upon the type of credit card you choose. You can browse through the list of Credit Cards and apply for one that best suits your needs.

Benefits of credit Card

Credit Cards are designed keeping in mind the various uses and lifestyles customers may adhere to. With exclusive benefits on transaction for food, travel, e-commerce and or a combination of these.

Some advantages of credit cards include:

• Complementary flight tickets
• Discounts on movie tickets
• Waiver of fuel surcharges
• Access to airport lounges
• Discounted deals on hotel bookings and restaurant orders